Unity Bancorp, Inc. (UNTY) Financial Ratios Annual - Discounting Cash Flows
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UNTY
Unity Bancorp, Inc.
UNTY (NASDAQ)
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  • Unity Bancorp, Inc. Financial Ratios Annual

Annual Quarterly

* (except for per share items) of USD
Period Ending: LTM
(Last Twelve Months) 		2025
12-31 		2024
12-31 		2023
12-31 		2022
12-31 		2021
12-31 		2020
12-31 		2019
12-31 		2018
12-31 		2017
12-31 		2016
12-31 		2015
12-31 		2014
12-31 		2013
12-31 		2012
12-31 		2011
12-31 		2010
12-31 		2009
12-31 		2008
12-31 		2007
12-31 		2006
12-31 		2005
12-31 		2004
12-31 		2003
12-31 		2002
12-31 		2001
12-31 		2000
12-31 		1999
12-31 		1998
12-31 		1997
12-31 		1996
12-31
Price Ratios
Price to Earnings Ratio 8.82 8.95 10.55 7.61 7.47 7.56 7.95 10.35 10.16 16.17 11.19 11 11.56 11.3 10.99 18.44 19.37 -26.45 14.36 12.41 17.4 15.21 15.42 13.46 12.18 14.37 -1.26 -6.57 16.75 18.99 18.1
Price to Sales Ratio 2.49 2.75 2.68 2 2.65 2.85 2.06 2.91 2.91 3.31 2.69 2.13 1.68 1.42 1.11 1.06 0.884 0.528 0.504 1.07 2 2.25 2.43 1.86 1.4 1 0.208 0.762 1.61 2.11 1.36
Price to Book Ratio 1.48 1.5 1.48 1.16 1.2 1.33 1.08 1.52 1.61 1.77 1.39 1.34 1.06 1.01 0.602 0.638 0.619 0.421 0.409 1.24 2.2 2.31 2.29 2.01 1.67 1.18 0.349 1.02 1.34 1.9 1.01
Price to Free Cash Flow Ratio 11.79 11.7 9.25 6.57 6.97 8.73 8.64 7.53 6 16.11 -183.2 51.74 6.66 8.68 4.06 3.21 2.62 7.12 10.31 -10.86 19.69 -119.8 11.91 19.84 5.53 -7.8 -1 -1.89 -21.99 -54.25 -7.87
Price to Operating Cash Flow Ratio 11.38 11.56 9.12 6.44 6.73 8.39 8.42 7.37 5.77 14.43 16.82 35.24 6.32 5.05 3.5 2.87 2.56 6.33 6.23 -15.39 14.09 46.5 8.93 16.92 4.92 -8.12 -1.13 -3.44 -39.09 42.19 -45.24
Price Earnings to Growth Ratio 1.18 0.224 1.71 1.21 1.36 0.133 5.78 1.51 0.151 -1.26 0.312 0.295 0.231 0.201 0.066 0.576 -0.152 0.111 -0.242 -0.79 -6.26 1.67 1.88 0.379 0.27 -0.113 -0.014 0.028 0.147 -0.552 0
EV to EBITDA 5.22 5.89 8.29 6.9 8.78 0.551 10.06 14.18 12.87 17.65 10.92 9.2 11.44 8.36 3.05 7.11 28.03 -98.79 41.13 18.61 17.32 12.05 12.11 8.46 7.83 9.81 -1.92 -15.32 0.783 1.53 -7.45
Liquidity Ratios
Current Ratio 0.16 0.16 0.099 0.154 0.128 0.179 0.053 0.075 0.062 0.08 0.072 0.088 0.115 0.139 0.172 0.165 0.034 0.098 0.029 0.031 0.034 0.029 0.034 0.034 0.039 0.056 0.052 0.05 0.148 0.176 0.224
Quick Ratio 0.16 0.16 0.099 0.154 0.128 0.179 0.053 0.075 0.062 0.08 0.072 0.088 0.115 0.139 0.172 0.165 0.034 0.098 0.029 0.031 0.034 0.029 0.034 0.034 0.039 0.056 0.052 0.05 0.148 0.176 0.224
Cash Ratio 0.092 0.092 0.086 0.1 0.063 0.138 0.015 0.017 0.016 0.023 0.023 0.025 0.036 0.031 0.034 0.026 0.024 0.087 0.023 0.024 0.026 0.023 0.029 0.029 0.032 0.049 0.043 0.042 0.143 0.169 0.217
Debt Ratio 0.09 0.09 0.087 0.142 0.163 0.027 0.109 0.171 0.14 0.196 0.123 0.099 0.139 0.133 0.11 0.112 0.111 0.108 0.134 0.134 0.115 0.08 0.086 0.041 0.051 0.041 0.036 0.13 0.001 0.001 0.002
Debt to Equity Ratio 0.77 0.77 0.781 1.4 1.67 0.27 1.22 1.83 1.59 2.42 1.38 1.37 2 2.14 1.17 1.23 1.29 1.48 1.78 2.13 1.73 1.2 1.23 0.627 0.813 0.632 0.605 2.62 0.011 0.015 0.022
Long Term Debt to Capitalization 0.435 0.435 0.438 0.584 0.622 0.196 0.547 0.646 0.614 0.707 0.553 0.541 0.641 0.575 0.37 0.382 0.181 0.186 0.186 0.68 0.633 0.546 0.552 0.385 0.449 0.341 0.319 0.709 0 0 0
Total Debt to Capitalization 0.435 0.435 0.438 0.584 0.625 0.213 0.55 0.646 0.614 0.707 0.579 0.578 0.667 0.682 0.539 0.552 0.563 0.597 0.64 0.68 0.633 0.546 0.552 0.385 0.449 0.387 0.377 0.724 0.011 0.015 0.022
Interest Coverage Ratio 1.35 1.33 0.952 1.09 4.84 6.22 2.15 1.68 2.02 2.37 2.33 1.88 1.31 1.18 0.832 0.314 0.202 -0.092 0.108 0.274 0.452 0.853 1.2 1.04 0.679 0.142 -0.311 -0.457 0.472 0.524 0.333
Cash Flow to Debt Ratio 0.169 0.169 0.208 0.128 0.107 0.585 0.105 0.113 0.175 0.051 0.06 0.028 0.083 0.093 0.147 0.181 0.188 0.045 0.037 -0.038 0.09 0.041 0.208 0.189 0.417 -0.23 -0.51 -0.114 -3 3 -1
Margins
Gross Profit Margin 63.07% 67.87% 62.55% 65.72% 86.23% 91.73% 76.4% 76.04% 79.64% 82.36% 81.85% 83.48% 77.65% 78.11% 71.87% 60.75% 56.65% 45.38% 49.14% 52.55% 58.71% 67.99% 75.79% 74.04% 66.17% 55.26% 52.25% 50.85% 63.47% 62.22% 60.9%
Operating Profit Margin 37.18% 40.08% 33.35% 35.16% 47.5% 50.25% 34.19% 36.04% 35.72% 35.65% 37.2% 29.1% 21.66% 18.94% 15.46% 7.5% 5.76% -3.65% 4.63% 12.22% 17.29% 23.55% 24.8% 21.91% 18.03% 5.67% -14.22% -19.8% 15.53% 18.33% 12.03%
Pretax Profit Margin 36.67% 40.08% 33.35% 35.16% 47.5% 50.25% 34.19% 36.04% 35.72% 35.65% 37.2% 29.1% 21.66% 18.94% 15.46% 7.5% 5.76% -3.65% 4.63% 12.22% 17.29% 23.55% 24.8% 21.91% 18.03% 5.67% -14.22% -19.8% 15.53% 18.33% 12.03%
Net Profit Margin 28.15% 30.76% 25.42% 26.35% 35.52% 37.71% 25.98% 28.12% 28.67% 20.49% 24.01% 19.35% 14.53% 12.61% 10.14% 5.76% 4.56% -2% 3.51% 8.62% 11.5% 14.78% 15.77% 13.79% 11.49% 6.97% -16.57% -11.6% 9.59% 11.11% 7.52%
Operating Cash Flow Margin 21.81% 23.83% 29.43% 31.12% 39.41% 33.96% 24.52% 39.48% 50.48% 22.96% 15.97% 6.04% 26.57% 28.22% 31.79% 37% 34.57% 8.33% 8.09% -6.95% 14.2% 4.83% 27.25% 10.97% 28.45% -12.33% -18.45% -22.18% -4.11% 5% -3.01%
Free Cash Flow Margin 21.12% 23.54% 29% 30.49% 38.04% 32.66% 23.91% 38.63% 48.51% 20.56% -1.47% 4.11% 25.22% 16.41% 27.45% 33.12% 33.71% 7.42% 4.89% -9.85% 10.16% -1.87% 20.43% 9.36% 25.3% -12.84% -20.76% -40.27% -7.31% -3.89% -17.29%
Return
Return on Assets 1.95% 1.95% 1.56% 1.54% 1.57% 1.78% 1.21% 1.38% 1.39% 0.886% 1.11% 0.881% 0.635% 0.555% 0.518% 0.314% 0.274% -0.116% 0.215% 0.628% 0.842% 1.01% 1.03% 0.98% 0.857% 0.538% -1.66% -0.775% 0.825% 0.935% 0.579%
Return on Equity 17.76% 16.77% 14.02% 15.19% 16.08% 17.56% 13.6% 14.72% 15.83% 10.92% 12.43% 12.18% 9.14% 8.95% 5.48% 3.46% 3.2% -1.59% 2.85% 10% 12.64% 15.17% 14.86% 14.9% 13.68% 8.22% -27.74% -15.6% 7.98% 10% 5.56%
Return on Capital Employed 12.51% 12.34% 9.85% 8.44% 8.13% 18.42% 7.93% 6.68% 7.61% 5.56% 9.19% 8.41% 4.88% 5.71% 5.26% 2.79% 3.31% -2.37% 3.06% 4.46% 6.91% 10.75% 10.3% 13.93% 11.64% 4.26% -14.49% -7.23% 12.45% 15.79% 8.6%
Return on Invested Capital 14.86% 14.66% 11.16% 9.16% 7.43% 218.6% 6.4% 5.46% 6.47% 3.4% 6.59% 6.45% 3.85% 4.63% 4.28% 2.51% 3.3% -11.15% 3% 3.48% 5.2% 7.75% 7.74% 11.36% 9.82% 9.24% -27.78% -5.22% -40.38% -17.09% -6.76%
Turnover Ratios
Receivables Turnover Ratio 15.97 14.61 12.85 11.1 8.08 9.99 7.93 11.58 11.67 11.46 11.71 12.01 11.5 10.96 10.32 10.05 12.95 12.82 11.67 12.51 11.88 13.27 13.56 13.91 12.52 12.95 12.58 10.1 18.25 13.85 12.09
Payables Turnover Ratio 0 0 35.88 26.85 21.57 61.41 86.61 44.3 38.34 25.47 23.23 17.7 20.79 19.56 27.13 33.18 38.28 41.66 34.75 40.98 44.17 49.1 46.49 46.64 39.01 35.8 25.54 12 20 13.6 10.4
Inventory Turnover Ratio 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Fixed Asset Turnover Ratio 11.43 10.45 8.68 7.7 5.41 3.81 4.03 3.49 3.27 2.68 2.35 3.25 2.9 2.59 3.47 3.89 4.48 4.6 4.37 4.53 4.38 3.97 4.54 5.56 3.72 3.42 3.8 2.36 4.76 4.19 4.29
Asset Turnover Ratio 0.069 0.064 0.061 0.058 0.044 0.047 0.046 0.049 0.048 0.043 0.046 0.046 0.044 0.044 0.051 0.055 0.06 0.058 0.061 0.073 0.073 0.068 0.066 0.071 0.075 0.077 0.1 0.067 0.086 0.084 0.077
Per Share Items ()
Revenue Per Share 20.57 18.78 16.26 14.77 10.3 9.21 8.5 7.76 7.13 5.96 5.84 5.33 5.1 4.89 5.09 5.48 6.22 6.91 7.05 6.88 6.06 4.89 3.93 4.39 3.99 4.4 6.53 5.34 4.64 3.91 4.03
Operating Cash Flow Per Share 4.49 4.48 4.78 4.6 4.06 3.13 2.08 3.06 3.6 1.37 0.933 0.322 1.36 1.38 1.62 2.03 2.15 0.576 0.57 -0.478 0.861 0.236 1.07 0.481 1.14 -0.543 -1.21 -1.18 -0.191 0.195 -0.121
Free Cash Flow Per Share 4.34 4.42 4.71 4.5 3.92 3.01 2.03 3 3.46 1.23 -0.086 0.219 1.29 0.802 1.4 1.81 2.1 0.513 0.344 -0.677 0.616 -0.092 0.804 0.41 1.01 -0.565 -1.36 -2.15 -0.339 -0.152 -0.698
Cash & Short Term Investments 34.03 33.94 19.54 28.07 20 28.96 6.38 7.87 6.22 7.2 6.66 8.15 10.35 12.7 13.77 13.2 2.24 9.4 2.42 1.8 1.76 1.39 1.45 1.57 1.51 2.53 2.52 2.75 6.89 7.07 10.13
Earnings Per Share 5.79 5.78 4.13 3.89 3.66 3.47 2.21 2.18 2.04 1.22 1.4 1.03 0.742 0.616 0.516 0.316 0.284 -0.138 0.247 0.593 0.697 0.723 0.621 0.605 0.459 0.307 -1.08 -0.619 0.445 0.434 0.303
EBITDA Per Share 7.82 7.53 5.68 5.43 5.16 4.78 3.08 2.94 2.73 2.24 2.25 1.61 1.27 1.08 0.952 0.54 0.525 -0.072 0.403 0.976 1.15 1.27 1.1 1.08 0.868 0.432 -0.629 -0.765 0.806 0.803 0.607
Dividend Per Share 0.567 0.559 0.501 0.463 0.416 0.348 0.308 0.3 0.261 0.225 0.162 0.12 0.088 0.093 0.125 0.128 0.131 0.124 0.129 0.173 0.154 0.126 0.1 0.021 0.003 0.007 0.005 0.164 0.106 0.087 0.121
Enterprise Value Per Share 40.8 44.3 47.08 37.45 45.29 2.63 31.03 41.74 35.08 39.58 24.58 14.78 14.48 9.02 2.9 3.84 14.73 7.08 16.56 18.17 19.89 15.33 13.28 9.11 6.8 4.24 1.21 11.72 0.631 1.23 -4.52
Book Value Per Share 32.61 34.45 29.47 25.61 22.77 19.78 16.24 14.82 12.91 11.19 11.29 8.47 8.11 6.89 9.42 9.12 8.88 8.66 8.69 5.93 5.51 4.76 4.18 4.06 3.35 3.73 3.9 3.97 5.58 4.34 5.46
Price Per Share 48.24 51.72 43.61 29.59 27.33 26.25 17.55 22.57 20.76 19.75 15.7 11.34 8.57 6.96 5.67 5.82 5.5 3.65 3.55 7.36 12.13 10.99 9.57 8.14 5.59 4.41 1.36 4.07 7.46 8.24 5.49
Dividend Ratios
Dividend Payout Ratio 9.68% 9.68% 12.11% 11.89% 11.37% 10.01% 13.95% 13.76% 12.78% 18.46% 11.54% 11.6% 11.81% 15.11% 24.32% 40.53% 46.07% -90.19% 52.28% 29.14% 22.09% 17.38% 16.12% 3.53% 0.62% 2.2% -0.423% -26.47% 23.81% 20% 40%
Annual Dividend Yield 1.17% 1.08% 1.15% 1.56% 1.52% 1.32% 1.75% 1.33% 1.26% 1.14% 1.03% 1.06% 1.02% 1.34% 2.21% 2.2% 2.38% 3.41% 3.64% 2.35% 1.27% 1.14% 1.05% 0.263% 0.051% 0.153% 0.336% 4.03% 1.42% 1.05% 2.21%
Effective Tax Rate 23.26% 23.26% 23.79% 25.07% 25.21% 24.96% 24.02% 21.98% 19.73% 42.53% 35.46% 33.48% 32.92% 33.42% 34.4% 23.2% 20.82% 45.38% 24.19% 29.51% 33.49% 37.26% 36.41% 37.06% 36.27% -23.03% -16.54% 41.38% 38.24% 39.39% 37.5%
Short Term Coverage Ratio 0 0 0 0 0 0 0 0 0 0 0.586 0.199 0.781 0.254 0.296 0.363 0.226 0.053 0.042 0 0 0 0 0 0 0 0 0 0 0 0
Capital Expenditure Coverage Ratio 31.51 79.62 69.25 49.12 28.79 26.04 39.93 46.83 25.61 9.58 0.916 3.14 19.63 2.39 7.32 9.54 40.32 9.1 2.53 -2.4 3.52 0.72 4 6.79 9.04 -24.07 -7.98 -1.23 -1.29 0.562 -0.211
EBIT Per Revenue 0.372 0.401 0.334 0.352 0.475 0.503 0.342 0.36 0.357 0.356 0.372 0.291 0.217 0.189 0.155 0.075 0.058 -0.037 0.046 0.122 0.173 0.236 0.248 0.219 0.18 0.057 -0.142 -0.198 0.155 0.183 0.12
EBITDA Per Revenue 0.38 0.401 0.349 0.367 0.5 0.519 0.363 0.38 0.383 0.376 0.385 0.302 0.248 0.221 0.187 0.099 0.084 -0.01 0.057 0.142 0.189 0.26 0.279 0.246 0.217 0.098 -0.096 -0.143 0.174 0.206 0.15
Days of Sales Outstanding 22.86 24.98 28.41 32.89 45.19 36.53 46.01 31.53 31.27 31.85 31.17 30.38 31.75 33.31 35.37 36.32 28.18 28.47 31.27 29.17 30.71 27.51 26.93 26.23 29.16 28.18 29.01 36.13 20 26.36 30.19
Days of Inventory Outstanding 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Days of Payables Outstanding 0 0 10.17 13.59 16.92 5.94 4.21 8.24 9.52 14.33 15.72 20.62 17.55 18.66 13.45 11 9.53 8.76 10.5 8.91 8.26 7.43 7.85 7.83 9.36 10.2 14.29 30.42 18.25 26.84 35.1
Cash Conversion Cycle 22.86 24.98 18.24 19.3 28.26 30.59 41.79 23.29 21.75 17.52 15.45 9.76 14.2 14.64 21.91 25.32 18.64 19.71 20.77 20.26 22.45 20.07 19.08 18.41 19.8 17.99 14.72 5.71 1.75 -0.477 -4.91
Cash Conversion Ratio 0.775 0.775 1.16 1.18 1.11 0.901 0.944 1.4 1.76 1.12 0.665 0.312 1.83 2.24 3.14 6.42 7.58 -4.18 2.3 -0.807 1.23 0.327 1.73 0.796 2.48 -1.77 1.11 1.91 -0.429 0.45 -0.4
Free Cash Flow to Earnings 0.75 0.765 1.14 1.16 1.07 0.866 0.92 1.37 1.69 1 -0.061 0.213 1.74 1.3 2.71 5.75 7.39 -3.72 1.39 -1.14 0.884 -0.127 1.3 0.679 2.2 -1.84 1.25 3.47 -0.762 -0.35 -2.3

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